Date Received: 2023-01-05
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: They email my ex wife to try to get to me they should have no contact with her the Debt company is LVNV They bought it from XXXX XXXX compabout 12 years ago the amount is for {$410.00} they should not contact her to get to me
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: LVNV FUNDIND LLC ATTEMPTS TO COLLECT A DEBT. ( DEBT BUYER - NEVADA ) I HAVE SENT A WRITTEN REQUEST TO DEBT BUYER REQUESTING VALIDATION AND VERIFICATION OF THE ALLEDGED DEBT. NONE RECIEVED/NO RESPONSE ALLEDGED DEBT HAS BEEN REPOTED TO THE NATIONAL CREDIT BUREAU/S .
Company Response:
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: LVNV FUNDING LLC, Transferred alleged account numbers XXXX and XXXX to a different lender and I was not notified with any documents. The last correspondence was sent to the LVNV FUNDING LLC from me in the form of a dispute. Instead of the company responding to my dispute, they instead sent it to another lender without responding to my request. This is clearly a violation of THE FCRA 15 U.S. Code 1692c - Communication in connection with debt collection. It also violates 15 U.S.C. 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. As a furnished, this company has a duty to make sure ( me ) the consumer is fully aware of what changed on an alleged debt and to make sure the furnishing to any CONSUMER REPORTING AGENCY IS ACCURATE. I WANT THIS ACCOUNT DELETED.
Company Response:
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone has been using my personal information to open accounts in my name without my knowledge, I have reached out before and Im reaching out again with attached information to have this removed from my credit report.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Resurgent Capital Services L.P. Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, XXXX XXXX XXXX XXXX, AND all three major credit bureaus. When I previously disputed this item -- Resurgent Capital Services L.P. response was providing a statement from XXXX showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. XXXX XXXX XXXX XXXX required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My XXXX CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much. My next step is to file a complain with the Florida Attorney General 's office and also to file suit against Resurgent Capital as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that Resurgent IS still attempting to collect a debt.
Company Response:
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: SEVERAL HOURS of disputes have been submitted through XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. THIS COMPANY IS XXXX. Original Creditor. XXXX ACCOUNT was opened on XXXX. The Credit Card Limit was only {$300.00}. XXXX HAS SENT THE limit to LNLV FUNDING for a COLLECTION OF {$630.00}! Outrageous! I'm disputing the information regarding this account as well as the need for an investigation to occur with this company who has purposely tried to destroy my credit with a collection on my report.
Company Response:
State: FL
Zip: 32073
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to law 15 U.S.C. 1681 SECTION 602A- Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not furnish an account without my written instructions. I have request several times for these accounts to be proven or removed from my report and have requested the original copies. Please prove these accounts not by the automated system. I have disagreed with the credit bureaus and creditors las investigation on XXXX XXXX XXXX XXXX with no response at all. My rights have been violated and the bureaus have not done a through investigation according to the law. Please remove these accounts.
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. LVNV FUNDING LLC company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is an update to an unresolved issue!!! I just received my reinvestigation back from LVNV FUNDING. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. Account # LVNV FUNDING LLC XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I have attached a their response to my dispute which does not validate that this is my account or debt. They are also in direct violation of 15 USC 1692g ( b ) whereas they did not provide me with validation of debt. Only an online " contract '' in which anyone could have opened in my name. This does not indicate physical proof of debt. This company is also violated 15 USC 1681b ( 2 ) because I did not provide them in writing to furnish this info onto my credit report.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A